Investment options of DIGIFLIGHT, INC. 401(K) PLAN
Total Available Funds: 39
| Investment Description |
|---|
| participant account balance |
| VAN INTERNATIONAL VALUE – INV |
| MFS VALUE R6 |
| BLACKROCK MIDCAP GROWTH EQ K |
| AMERFUNDS 2050 TARG DATERET R6 |
| VANGUARD VALUE INDEX FUND ADMR |
| CALVERT EQUITY FUND I |
| COLUMBIA SMALL CAP VALUE I I3 |
| ISHARES MSCI EAFE INTL INDEX K |
| VANGUARD INTL GRTH ADM |
| VICTORY ESTABLISHED VALUE R6 |
| JPMORGAN GOV BOND R6 |
| BLACKROCK FEDFUND – PREMIER |
| LORD ABBETT SHORT DUR INC R6 |
| AMF BOND FUND OF AMERICA R6 |
| VANGUARD INTERMEDIATE TERM BON |
| AMERFUNDS 2025 TARG DATERET R6 |
| AB GLOBAL BOND I |
| PIMCO REAL RETURN FUND – INSTL |
| MFS INTL INTRINSIC VALUE R6 |
| VANGUARD MID CAP INDEX – ADM |
| AMERFUNDS 2030 TARG DATERET R6 |
| PIMCO INCOME FUND – INSTL |
| VANGUARD SMALL CAP INDEX ADMRL |
| BLACKROCK HIGH YIELD K |
| AMERFUNDS 2020 TARG DATERET R6 |
| AMERFUNDS 2045 TARG DATERET R6 |
| AMERFUNDS 2015 TARG DATERET R6 |
| VANGUARD GROWTH INDEX FUND ADM |
| AMERFUNDS 2060 TARG DATERET R6 |
| AMER FUNDS NEW PERSP R6 |
| AMERICAN FUNDS NEW WORLD R6 |
| AMERFUNDS 2040 TARG DATERET R6 |
| AMERICAN FUNDS 2055 TARGET R6 |
| AMERFUNDS 2065 TARG DATERET R6 |
| AMERFUNDS 2035 TARG DATERET R6 |
| INVESCO DISCOVERY R6 |
| ISHARES S&P 500 INDEX K |
| AMERFUNDS AMER BALANCED – R6 |
Investment model portfolios
We provide two types of investment model portfolios for DIGIFLIGHT, INC. 401(K) PLAN participants. You can customize and follow a model portfolio in your plan account.
Types of portfolio strategies
- Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
- Less error-prone
- Infrequent rebalancing or transactions
- Tax efficient for taxable brokerage investments
- Cons:
- Interim loss or drawdown can be substantial
- Possible low returns for an extended period, such as 10 years or longer
- Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
- Reduce large interim loss or drawdown
- Less sensitive to investment entry point
- Likely to improve returns
- Cons
- Demand more frequent rebalancing or transactions
- Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
- Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets
These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.
Let us know (Email us) if you need help to create a custom model portfolio for your plan.
Retirement Plan (401(k)) Info for DIGIFLIGHT, INC. 401(K) PLAN